2006-08-28 06:32:34 · 8 answers · asked by WIid Bill 1 in Business & Finance ➔ Credit
Just like the others say, if you go to https://www.annualcreditreport.com/cra/index.jsp you can get all three for free. They may require some account numbers to prove your identity, and may even require you to send in proof of identity, but it is 100% free, once every 12 months.
Also, Carlos S is incorrect in stating that checking your own credit report or score lowers your credit rating because IT DOES NOT. You can check or monitor your own report as much as you like without it affecting it either way. Creditors do not have access to this info; only the Credit Bureaus do, and the Credit Bureaus do NOT make credit decisions. They are just a database, paid to keep your information in a file and nothing more.
2006-08-28 07:51:25 · answer #1 · answered by Christian93 5 · 0⤊ 0⤋
Your entitled in one free report per year. If you are turned down for employment, or a loan and your credit report was used to make that decision to not employ your or give you a loan you are entitled to receive another report at no charge.
I never use the online reports, I write a letter to each credit reporting agency and get one, once a year.
I search for the site of the Federal Trade Commission which governs laws or credit.
http://www.ftc.gov/bcp/conline/edcams/freereports/index.html
It will tell you how to receive your free annual credit report.
2006-08-28 13:47:57 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Yes.. you can log onto one of the three major credit reporting agencies sites and obtain a credit report once a year at no charge. This was a federal law recently passed.
Try: www.equifax.com
2006-08-28 13:37:08 · answer #3 · answered by limgrn_maria 4 · 0⤊ 0⤋
You know what you shouldnt check your credit score allot! It does really effect it! Checking your credit scores also decreases when viewed allot. What you should do is just pay
$8.00@ annual and get a print out then its over!!!! In life you cant be a cheapskate! Just think of it as an investment! then buy another one in one year! One more thing if something is to good to be true, dont go for it! the bible says follow the narrow path that leads to rightousness!
2006-08-28 14:23:23 · answer #4 · answered by Anonymous · 0⤊ 0⤋
www.annualcreditreport.com depending on the state you live in, is updated every year. I live in OK, it gets updated in June. like a previous answer though, they do not however provide a score for you.
2006-08-28 13:39:44 · answer #5 · answered by sonia 2 · 0⤊ 0⤋
annualcreditreport.com
This site was suggest from a loan manager.
good luck
2006-08-28 13:38:36 · answer #6 · answered by Anonymous · 0⤊ 0⤋
apply for a mortgage
2006-08-28 13:37:35 · answer #7 · answered by senoritaboston 4 · 0⤊ 0⤋
go to www.annualcreditreport.com. They won't, however, give you your FICO score.
2006-08-28 13:36:07 · answer #8 · answered by bornagain 2 · 0⤊ 0⤋